Established in 2006, the team at First Rate Mortgages Ltd have had many years experience in both banking, broking and in business as well as personal experience as home owners, investors and working on their own builds and renovations.
First Rate Mortgages Ltd is one of New Zealand's leading experts when it comes to debt consolidation, mortgage refinancing, and helping clients with top ups on an existing mortgage.
Their services are tailored to your specific needs, and they have helped hundreds of clients with mortgage refinancing when traditional banks have been unable to. If you would like to look at Debt Consolidation, Topping Up Your Mortgage or Mortgage Refinancing, Call Us.
First Rate Mortgages Ltd are a lender that specialises in Non Bank lending and home loans that banks can't always help with, such as self-employed, a start-up business, release of equity, payment of IRD tax arrears, saving a mortgagee sale, or applying for a bad credit home loan. Whether it's A Bad Credit Rating, you need Self-Employed / No Financials Home Loan or need a Second Mortgage, or whether you need a Low Doc loan which helps if you are self-employed or on commission only, Call Us.
Since Covid there has been an increased demand for short-term business loans and business lines of credit due to the impact of COVID-19 on business operations and many of these need to be low documentation.
Low doc loans are usually used as short-term solutions until a property is sold or financial accounts become available for long-term bank funding. However, non-bank finance will usually come with higher rates than bank lenders and this is where a mortgage broker can make the difference.
Many businesses had to scale back to survive during Covid but now require additional non-bank working capital finance for future planning. It is important to consider the cost of missed opportunities when assessing your financing needs. If you need a higher level of stock, new equipment, or more staff to take advantage of potential deals or sales, non-bank lenders can often provide faster online approval and funding for secured and unsecured options.
Visit our non-bank website for more information on business finance. The team is accredited with three Non Bank Australian funders operating in New Zealand and helping Kiwis with urgent business finance.
With over 68 years of financial and home loans experience in NZ, the team at First Rate Mortgages Ltd have a reputation for providing professional and quality services to first home buyers and understanding home loans both on the Hibiscus Coast and for clients across New Zealand
They are committed to providing a comprehensive service with a focus on each individual client. We can help whether you are First Home Buyer, New Home Build, Buying a New Home, Using Kiwisaver Savings and a Home Starter Grant, Needing Bridging Finance or Want to find out more about interest rates, Call Us.
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Talk to our rental investments specialists for money management and debt advice and make smarter choices and decisions. First Rate Mortgages Ltd go above and beyond traditional banks and mortgage advisors to help you buy your first rental and look after your rental investments. If you would like to look at Buying your first rental investment, adding to your Rental Property Portfolio or consider Commercial Property Finance, Call Us.
As advised we also service non-bank lending - please check our Non-Bk Ltd - Non bank mortgage lending page on this site or go directly to our website at https://nonbank.co.nz